What is the loan interest rate of China Construction Bank in July 2022?

1. Short-term loans: within six months (including six months) is 4.35%, six months to one 4.35% for one year (including one year);

2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) , 4.90% for more than five years;

3. Personal housing provident fund loans: 2.75% for less than five years (including five years), and 3.25% for more than five years.

Mortgage interest rates in July 2022

As of December 8, 2022, the one-year mortgage rate is 3.7% and the five-year mortgage rate is 4.45%.

The People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) on July 20, 2022 is: 1-year LPR is 3.7%, and 5-year and above LPR is 4.45% .

The People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) on July 20, 2022 is: 1-year LPR is 3.7%, and 5-year and above LPR is 4.45% .

Loan interest rates in July 2018

The latest central bank benchmark interest rates in July 2018: The benchmark interest rate is a universal reference rate in the financial market. The benchmark interest rate is divided into the deposit benchmark interest rate and the loan benchmark interest rate. The deposit benchmark interest rate refers to the guiding interest rate for commercial bank deposits announced by the People's Bank of China, and the loan benchmark interest rate refers to the guiding interest rate for commercial bank loans announced by the People's Bank of China.

As of July 2018, the benchmark interest rates for deposits and loans implemented by my country's commercial banks are the benchmark interest rates released by the central bank on October 24, 2015, which have not been adjusted for two years and eight months. Among them, the one-year deposit benchmark interest rate is 1.5%, and the loan benchmark interest rate within one year is 4.35%. See Table 1 for details of deposit benchmark interest rates and Table 2 for details of loan benchmark interest rates.

It should be noted that the base interest rate is not equal to the actual interest rate implemented by commercial banks. With the realization of interest rate liberalization, commercial banks have become more flexible in setting their own deposit and loan interest rates. Therefore, if you want to accurately understand a bank's actual interest rate, you should pay attention to the bank's listed interest rate, and even look at the actual interest rate at specific business outlets.

Table 1 Benchmark interest rates for RMB deposits of financial institutions (%)

Adjustment time

Demand deposits

Time deposits

Half a year

One year

Two years

Three years

Five years< /p>

2015.10.24

0.35

1.1

1.3

1.5

2.1< /p>

2.75

——

2015.08.26

0.35

1.35

1.55

1.75

2.35

3

——

2015.06.28

0.35

1.6

1.8

2

2.6

3.25

——

2015.05.11

0.35

1.85

2.05

2.25

2.85

3.5

——

2015.03.01

0.35

2.1

2.3

2.5

3.1

3.75

——

2014.11.22

0.35

2.35

2.55

2.75

3.35

4

— —

2012.07.06

0.35

2.6

2.8

3

3.75

4.25

4.75

2012.06.08

0.4

2.85

3.05

3.25

4.1

4.65

5.1

2011.07.07

0.5

3.1

3.3

3.5

4.4

5

5.5< /p>

2011.04.06

0.5

2.85

3.05

3.25

4.15< /p>

4.75

5.25

2011.02.09

0.4

2.6

2.8< /p>

3

3.9

4.5

5

2010.12.26

0.36< /p>

2.25

2.5

2.75

3

Bank of China loan interest rate in July

China's 1-year loan prime rate (LPR) in July was 3.7%, expected to be 3.7%, and 3.7% last month; 5-year LPR was 4.45%, expected to be 4.45%, and 4.45% last month.

What is the bank's loan interest rate?

The loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

Loan means that banks, credit unions and other institutions lend money to units or individuals who use the money, and generally stipulate interest and repayment dates. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks release concentrated currency and monetary funds through loans, which can meet the needs of supplementary funds for the expansion of social reproduction and promote economic development.

The bank loan interest rate in July 2022

The 1-year term is 3.7% and the 5-year and above term is 4.45%.

According to the interest rate data of the Bank of my country, the bank loan interest rate in July 2022 is 3.7% for one year and 4.45% for five years and above.

Bank interest rate, also known as interest rate, represents the ratio of interest to principal within a certain period of time, expressed as a percentage.